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Advance Restructuring For Your Institution Article Advance Restructuring For Your Institution If your institution has outstanding Federal Home Loan Bank of Des Moines Advances and would like to extend your duration, FHLB Des Moines offers restructuring Advances using the Blend & Extend strategy. Marginal Cost of Funds Whitepaper Marginal Cost of Funds Whether creating a new account type for a niche market or simply responding in lockstep with your competitors' rate movements, it's important to understand your marginal cost of funds to avoid overpaying for deposits. Beat the Spread - A Strategy to Secure Low-Cost Funding Whitepaper Beat the Spread - A Strategy to Secure Low-Cost Funding If your institution is in the market for low-cost, long-term funding, the Federal Home Loan Bank of Des Moines has a strategy for you to lock in and “Beat the Spread”. Don't Let Current Liquidity Be “the Tail that Wags the Dog!” Video/Webinar Don't Let Current Liquidity Be “the Tail that Wags the Dog!” Yes, there is a liquidity crisis, just not the one most financial institutions anticipated…too much current liquidity. This webinar features Darling Consulting Group addressing key approaches for liquidity management in today's challenging environment. Planning for Low Rate, High Liquidity Scenarios Article Planning for Low Rate, High Liquidity Scenarios A prudent funds management process is of paramount importance regardless of economic or interest rate environment. The Forward Starting Advance - a solution against rising interest rates Article The Forward Starting Advance - a solution against rising interest rates Even though the old adage states, "You can't have your cake and eat it, too",  we think the FHLB Des Moines Forward Starting Advance lets you enjoy the best of both worlds. Laddering Funds for Commercial Real Estate Loans Case Study Laddering Funds for Commercial Real Estate Loans Central State Bank took down 5-year and 6-year amortizing advances from FHLB Des Moines. The bank laddered the two $1.5 million advances with different durations. MPF Mapping Diagram Article MPF Mapping Diagram MPF Mapping Diagram Succeeding Through Servicing: Mitigating Risk with the MPF Program Case Study Succeeding Through Servicing: Mitigating Risk with the MPF Program By selling mortgages through the FHLB Des Moines Mortgage Partnership Finance® (MPF®) Xtra® Program, Hawaii State FCU is able to retain servicing and improve customers' experience. Making Mortgages Your New Niche Case Study Making Mortgages Your New Niche Farmers State Bank identified a core need for a strong mortgage lender in Northwest Missouri and made the strategic decision to fill that need. In the mid-to-late 1990s, Farmers State Bank became more highly invested in mortgage lending. Increasing Advance Capacity: A Member Success Story Case Study Increasing Advance Capacity: A Member Success Story Member Collateral Verification (MCV) reviews can be an excellent opportunity for members to improve their advance capacity. Sheilah Stoneback, Credit Analyst at One American Bank in Sioux Falls, South Dakota, shares how her team was able to increase their advance capacity by 50 percent. Expanding Markets, Expanding Letter of Credit Uses Whitepaper Expanding Markets, Expanding Letter of Credit Uses Whether it's an opportunity to drive fee income and enhance ROE by backing a bond, supporting a self-insurance program, or covering a customer's performance obligation; it may be worth your while to explore some of these expanded uses of letters of credit.